KENOSHA AREA CHAMBER OF COMMERCE FOUNDATION INC: Form 990EZ, tax year 2019
View the entire original 990 at ProPublica ↗
- Organization
- KENOSHA AREA CHAMBER OF COMMERCE FOUNDATION INC (EIN 39-1809753)
- Tax period
- 2019-09-01 to 2020-08-31
- Filed
- 2021-01-13
- IRS object ID
- 202120139349200132
- Schema version
- 2019v5.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2021-01-13T16:40:22-06:00 | ReturnTs |
| Tax Period End | 2020-08-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 410746749 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CLIFTONLARSONALLEN LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 8215 GREENWAY BOULEVARD SUITE 600 | AddressLine1Txt |
| City | MIDDLETON | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 53562 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2019-09-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 391809753 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | KENOSHA AREA CHAMBER OF COMMERCE | BusinessNameLine1Txt |
| Business Name Line2 | FOUNDATION INC | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | KENO | BusinessNameControlTxt |
| Phone | 2626541234 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 600 52ND STREET NO 130 | AddressLine1Txt |
| City | KENOSHA | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 53140 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | BOZIDAR MOLITOR | PersonNm |
| Person Title | PRESIDENT/CEO | PersonTitleTxt |
| Phone | 2626541234 | PhoneNum |
| Signature | 2021-01-12 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | KIMBERLY ANDERSON CPA | PreparerPersonNm |
| PTIN | P00188889 | PTIN |
| Phone | 6086628600 | PhoneNum |
| Preparation | 2021-01-11 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2019 | TaxYr |
| Build TS | 2022-09-23 18:48:47Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Cash | Yes (X) | MethodOfAccountingCashInd |
| Website Address | WWW.KENOSHAAREACHAMBER.COM | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $44,474 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $23,719 | ContributionsGiftsGrantsEtcAmt |
| Investment Income | $6 | InvestmentIncomeAmt |
| Gaming Gross Income | $5,725 | GamingGrossIncomeAmt |
| Fundraising Gross Income | $14,659 | FundraisingGrossIncomeAmt |
| Special Events Direct Expenses | $10,162 | SpecialEventsDirectExpensesAmt |
| Special Events Net Income Loss | $10,222 | SpecialEventsNetIncomeLossAmt |
| Other Revenue Total | $365 | OtherRevenueTotalAmt |
| Total Revenue | $34,312 | TotalRevenueAmt |
| Grants And Similar Amounts Paid | $12,000 | GrantsAndSimilarAmountsPaidAmt |
| Fees And Other Pymt To Ind Cntrct | $3,900 | FeesAndOtherPymtToIndCntrctAmt |
| Printing Publications Postage | $1,290 | PrintingPublicationsPostageAmt |
| Other Expenses Total | $5,236 | OtherExpensesTotalAmt |
| Total Expenses | $22,426 | TotalExpensesAmt |
| Excess Or Deficit For Year | $11,886 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $23,240 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $35,126 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $39,869 | BOYAmt |
| EOY | $44,630 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $3,397 | BOYAmt |
| EOY | $7,272 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $43,266 | BOYAmt |
| EOY | $51,902 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $20,026 | BOYAmt |
| EOY | $16,776 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $23,240 | BOYAmt |
| EOY | $35,126 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | TO PROVIDE FINANCIAL SCHOLARSHIPS TO STUDENTS OF KENOSHA SCHOOLS; TO STRENGTHEN THE LEADERSHIP OF THE KENOSHA COMMUNITY THROUGH LEADERSHIP TRAINING; AND OTHER CHARITABLE AND EDUCATIONAL PURPOSES THE BOARD MAY DETERMINE WITHIN THE MEANING OF THE IRC SECTION 501(C)(3). | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (4 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Grants And AllocationsGrantsAndAllocationsAmt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|---|
| SCHOLARSHIP PROGRAM - PROVIDE SCHOLARSHIPS TO GRADUATING KENOSHA COUNTY HIGH SCHOOL SENIORS. ANNUALLY $10,000 TO $15,000 IN SCHOLARSHIPS ARE AWARDED TO APPLICANTS BASED ON GRADE POINT AVERAGE, COMMUNITY SERVICE AND CHARACTER. | $12,000 | $12,000 |
| LEADERSHIP KENOSHA - A PREMIER PROFESSIONAL DEVELOPMENT COURSE OVER NINE MONTHS TO EXPOSE PARTICIPANTS TO NUMEROUS ASPECTS OF KENOSHA COUNTY (POLITICS, AGRICULTURE, BUSINESS, SOCIAL SERVICE, ETC,) WHILE TEACH LEADERSHIP SKILLS. | $0 | $5,213 |
| BUSINESS EDUCATION PARTNERS PROGRAM - PROVIDE HIGH SCHOOL STUDENTS (9TH TO 12TH GRADE) THE OPPORTUNITY TO VISIT COLLEGES, MANUFACTURERS AND BUSINESSES IN ORDER TO ACQUIRE INFORMATION AND HANDS-ON EXPERIENCE THAT WILL HELP THEM WITH CAREER AND POST HIGH SCHOOL PLANNING | $0 | $5,213 |
| KENOSHA AREA CHAMBER OF COMMERCE | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $22,426 | TotalProgramServiceExpensesAmt |
| Info In Schedule O Part IV | Yes (X) | InfoInScheduleOPartIVInd |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (12 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| LEWIS ACETO | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| DOUG BARTZ | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| STEVE BOSTROM | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| JASON EVITTS | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| HOLLY KANGAS | ||||
| VICE CHAIR | 1.00 | $0 | $0 | $0 |
| DAVID STRASH | ||||
| CHAIR | 1.00 | $0 | $0 | $0 |
| BOZIDAR MOLITOR | ||||
| PRESIDENT/CEO | 8.00 | $0 | $0 | $0 |
| GEORGE FOLLENSBEE | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| AMANDA BLOMMEL | ||||
| TREASURER | 1.00 | $0 | $0 | $0 |
| KEVIN POTTER | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| STACY RILEY | ||||
| SECRETARY | 1.00 | $0 | $0 | $0 |
| TRISHA CAMOSY | ||||
| DIRECTOR | 0.50 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part V | Yes (X) | InfoInScheduleOPartVInd |
| Activities Not Previously Rpt | 0 | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | 0 | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | 0 | OrganizationHadUBIInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Organization Dissolved Etc | 0 | OrganizationDissolvedEtcInd |
| Direct Indirect Pltcl Expend | $0 | DirectIndirectPltclExpendAmt |
| Made Loans To From Officers | 0 | MadeLoansToFromOfficersInd |
| Tax Imposed Under IRC4911 | $0 | TaxImposedUnderIRC4911Amt |
| Tax Imposed Under IRC4912 | $0 | TaxImposedUnderIRC4912Amt |
| Tax Imposed Under IRC4955 | $0 | TaxImposedUnderIRC4955Amt |
| Engaged In Excess Benefit Trans | 0 | EngagedInExcessBenefitTransInd |
| Tax Imposed On Organization Mgr | $0 | TaxImposedOnOrganizationMgrAmt |
| Tax Reimbursed By Organization | $0 | TaxReimbursedByOrganizationAmt |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| States Where Copy Of Return Is Fld | WI | StatesWhereCopyOfReturnIsFldCd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | BOZIDAR LOU MOLITOR | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 600 52ND STREET SUITE 130 | AddressLine1Txt |
| City | KENOSHA | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 53140 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 2626541234 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Donor Advised Fnds | 0 | DonorAdvisedFndsInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Tanning Services Provided | 0 | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Lobbying Activities | 0 | LobbyingActivitiesInd |
| School Operating | 0 | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | 0 | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Part VI Hghst Pd Cntrct Prof Srvc | NONE | PartVIHghstPdCntrctProfSrvcTxt |
| Filed Schedule A | Yes (1) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $49,325 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $31,143 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $26,370 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $20,588 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $23,719 | CurrentTaxYearAmt |
| Total | $151,145 | TotalAmt |
Gross Receipts Non Unrlt Bus GrossReceiptsNonUnrltBusGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $72,694 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $63,398 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $44,565 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $28,244 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $20,384 | CurrentTaxYearAmt |
| Total | $229,285 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $122,019 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $94,541 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $70,935 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $48,832 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $44,103 | CurrentTaxYearAmt |
| Total | $380,430 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $380,430 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus2 Years | $2 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $8 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $6 | CurrentTaxYearAmt |
| Total | $16 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus2 Years | $2 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $8 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $6 | CurrentTaxYearAmt |
| Total | $16 | TotalAmt |
Other Income509 OtherIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $105 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $260 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $105 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $540 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $365 | CurrentTaxYearAmt |
| Total | $1,375 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $122,124 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $94,801 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $71,042 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $49,380 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $44,474 | CurrentTaxYearAmt |
| Total | $381,821 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.99640 | PublicSupportCY509Pct |
| Public Support PY509 | 0.99790 | PublicSupportPY509Pct |
| Investment Income CY | 0.00000 | InvestmentIncomeCYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule B IRS990ScheduleB
Contributor Information ContributorInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor | RESTRICTED | ContributorNum |
Contributor Business Name ContributorBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor US Address ContributorUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Contributions | RESTRICTED | TotalContributionsAmt |
Schedule G IRS990ScheduleG
Fundraising Event Information FundraisingEventInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Event1 | GOLF OUTING | Event1Nm |
| Gross Receipts Event1 | $32,053 | GrossReceiptsEvent1Amt |
| Charitable Contri Event1 | $19,325 | CharitableContriEvent1Amt |
| Gross Revenue Event1 | $12,728 | GrossRevenueEvent1Amt |
| Cash Prizes Event1 | $1,523 | CashPrizesEvent1Amt |
| Non Cash Prizes Event1 | $1,555 | NonCashPrizesEvent1Amt |
| Other Direct Expenses Event1 | $1,423 | OtherDirectExpensesEvent1Amt |
| Event2 | SCHOLARSHIP FISHING EVENT | Event2Nm |
| Gross Receipts Event2 | $1,600 | GrossReceiptsEvent2Amt |
| Gross Revenue Event2 | $1,600 | GrossRevenueEvent2Amt |
| Other Direct Expenses Event2 | $3,571 | OtherDirectExpensesEvent2Amt |
| Gross Receipts Total | $33,653 | GrossReceiptsTotalAmt |
| Charitable Contributions Tot | $19,325 | CharitableContributionsTotAmt |
| Gross Revenue Total Events | $14,328 | GrossRevenueTotalEventsAmt |
| Cash Prizes Total Events | $1,523 | CashPrizesTotalEventsAmt |
| Non Cash Prizes Total Events | $1,555 | NonCashPrizesTotalEventsAmt |
| Oth Direct Expnss Total Events | $4,994 | OthDirectExpnssTotalEventsAmt |
| Direct Expense Summary Events | $8,072 | DirectExpenseSummaryEventsAmt |
| Net Income Summary | $6,256 | NetIncomeSummaryAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (5 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME | DESCRIPTION: INTEREST INCOME. AMOUNT: 6. |
| FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE | DESCRIPTION: MISCELLANEOUS INCOME. AMOUNT: 365. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: ADVERTISING. AMOUNT: 1,264. DESCRIPTION: BANK SERVICE CHARGES. AMOUNT: 1,402. DESCRIPTION: MISCELLANEOUS EXPENSES. AMOUNT: 731. DESCRIPTION: PUBLIC SERVICES. AMOUNT: 480. DESCRIPTION: LICENSES AND PERMITS. AMOUNT: 110. DESCRIPTION: INSURANCE. AMOUNT: 470. DESCRIPTION: AWARDS EXPENSE. AMOUNT: 340. DESCRIPTION: IT SERVICES. AMOUNT: 439. TOTAL TO FORM 990-EZ, LINE 16: 5,236. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: DUE FROM KACC. BEG. OF YEAR AMOUNT: 3,397. END OF YEAR AMOUNT: 7,272. |
| FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 20,026. END OF YEAR AMOUNT: 16,776. |
Transfer Prsnl Bnft Contracts Decl TransferPrsnlBnftContractsDecl
| Field | Value | IRS element (for citing) |
|---|---|---|
| Declaration | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. | DeclarationDesc |